Version History
This REST-based API is compliant with the STET specifications developed by the French market initiative (https://www.stet.eu/en/psd2/) in order to comply with PSD2 regulatory requirements. It takes into account functional limitations specific to this retail bank network (see use case 'Limitations").
As a reminder :
- payment services directive (PSD2, (UE) 2015/2366 of 25/11/2015) went into force on january 13, 2018 : http://eur-lex.europa.eu/legal-content/FR/TXT/?uri=CELEX:32015L2366
- it is supplemented by regulatory technical standards for strong customer authentication (RTS, Commission Delegated Regulation (EU) No 2018/389) and common and secure open standards of communication that will apply on september14, 2019. These standards are called RTS (Rules Technical Standards) : https://eur-lex.europa.eu/legal-content/FR/TXT/?toc=OJ%3AL%3A2018%3A069%3ATOC&uri=uriserv%3AOJ.L_.2018.069.01.0023.01.FRA
In France, the ordinance n° 2017-1252 of August 9, 2017 implements the PSD2 directive into the regulatory section of the monetary and financial code. This ordinance has been supplemented by two decrees (n° 2017-1313 and n° 2017-1314 on August 31, 2017), and five orders that were published on August 31, 2017.
You can consult the virtual assistant on this portal.
Description of TPP support
According to Article 30 (5) of the RTS, a support for third-party providers is available. This support is accessible via the form on this 89C3 API portal, or via https://www.api.89c3.com/en/contact-us. Its general principle is shown below, taking into account delays of Article 30 (4) of the RTS :
Important changes made since the first version of this documentation was published :
Method(s) | Effective date | Description of the evolution |
POST/paymentRequest GET/paymentRequest | May 17, 2019 | Portal documentation : addition of clarification about the mandatory or optional nature of parameters and fields of requests. |
Fallback | July 26, 2019 | Portal documentation : insert Fallback use case |
All | September 18, 2019 | Portal documentation
|
All | December 21, 2020 | Portal documentation :
|
Roadmap | October 30th, 2021 | Note on urgent changes out of regulatory notice period |